The fastest way to build holdings in crypto, is to have a job that pays enough in fiat and to consistently buy in. 

>And yet we just cant predict about the future of mortality, and when an important member passes away,the whole unit suffers badly. Thats universal.

It is universal, yet  I think most people don't really think that much about it, because it is uncomfortable. If I die, I will be gone, but it isn't okay for my family to suffer, just because I am not here to see it.